农业保险承保理赔更精准

Core Viewpoint - The introduction of the "Agricultural Insurance Remote Sensing Technology Application Standards" aims to enhance the precision and efficiency of agricultural insurance underwriting and claims assessment through the use of remote sensing technology, addressing existing discrepancies in data interpretation and application across the industry [1][2][3]. Group 1: Standards and Implementation - The newly released standards specifically outline the application of remote sensing technology for four major crops: rice, wheat, corn, and cotton [1][2]. - The standards were developed over four years, involving feasibility studies, technical research, and input from over 30 insurance and remote sensing companies, as well as experts from various relevant fields [2][3]. - The standards provide a scientific and applicable framework for the operational aspects of remote sensing technology in agricultural insurance, including data acquisition, processing, verification, and damage assessment [2][3]. Group 2: Industry Impact - The implementation of these standards is expected to facilitate the large-scale application of remote sensing technology in agricultural insurance, improving the accuracy of underwriting and damage assessment services [3]. - The standards will enhance compliance within the agricultural insurance sector, combat insurance fraud, and increase farmer satisfaction and recognition of agricultural insurance [3]. - The initiative aligns with national policies aimed at supporting agriculture, ensuring food security, and promoting rural revitalization, thereby improving the effectiveness of fiscal subsidy funds [3]. Group 3: Financial Support and Market Growth - Since 2007, the central government has increased financial support for agricultural insurance, with a subsidy of 54.7 billion yuan allocated for 2024 [3]. - In 2024, agricultural insurance is projected to provide risk coverage exceeding 5 trillion yuan for 147 million farming households [3].